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Side-by-side financial comparison of OFG BANCORP (OFG) and RISKIFIED LTD. (RSKD). Click either name above to swap in a different company.
RISKIFIED LTD. is the larger business by last-quarter revenue ($234.0M vs $184.3M, roughly 1.3× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs -13.2%, a 43.5% gap on every dollar of revenue.
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
Riskified is a publicly traded software company headquartered in Tel Aviv, Israel, with additional offices in New York City. The company provides software-as-a-service (SaaS) solutions focused on fraud prevention, chargeback management, and risk intelligence for e-commerce merchants.
OFG vs RSKD — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $234.0M |
| Net Profit | $55.9M | $-30.8M |
| Gross Margin | — | 52.2% |
| Operating Margin | 25.7% | -19.0% |
| Net Margin | 30.3% | -13.2% |
| Revenue YoY | 0.9% | — |
| Net Profit YoY | 11.0% | — |
| EPS (diluted) | $1.27 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $184.3M | — | ||
| Q3 25 | $186.2M | $234.0M | ||
| Q2 25 | $182.4M | $155.1M | ||
| Q1 25 | $178.6M | $76.4M | ||
| Q4 24 | $182.7M | — | ||
| Q3 24 | $174.7M | $213.5M | ||
| Q2 24 | $179.8M | $141.7M | ||
| Q1 24 | $174.4M | $68.9M |
| Q4 25 | $55.9M | — | ||
| Q3 25 | $51.8M | $-30.8M | ||
| Q2 25 | $51.8M | $-21.1M | ||
| Q1 25 | $45.6M | $-11.6M | ||
| Q4 24 | $50.3M | — | ||
| Q3 24 | $47.0M | $-55.8M | ||
| Q2 24 | $51.1M | $-34.8M | ||
| Q1 24 | $49.7M | $-18.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | 52.2% | ||
| Q2 25 | — | 53.6% | ||
| Q1 25 | — | 55.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 48.7% | ||
| Q2 24 | — | 51.4% | ||
| Q1 24 | — | 52.0% |
| Q4 25 | 25.7% | — | ||
| Q3 25 | 33.0% | -19.0% | ||
| Q2 25 | 36.1% | -19.4% | ||
| Q1 25 | 33.3% | -20.8% | ||
| Q4 24 | 28.9% | — | ||
| Q3 24 | 35.4% | -32.9% | ||
| Q2 24 | 39.6% | -31.8% | ||
| Q1 24 | 38.9% | -33.4% |
| Q4 25 | 30.3% | — | ||
| Q3 25 | 27.8% | -13.2% | ||
| Q2 25 | 28.4% | -13.6% | ||
| Q1 25 | 25.5% | -15.2% | ||
| Q4 24 | 27.6% | — | ||
| Q3 24 | 26.9% | -26.1% | ||
| Q2 24 | 28.4% | -24.6% | ||
| Q1 24 | 28.5% | -26.1% |
| Q4 25 | $1.27 | — | ||
| Q3 25 | $1.16 | — | ||
| Q2 25 | $1.15 | — | ||
| Q1 25 | $1.00 | — | ||
| Q4 24 | $1.10 | — | ||
| Q3 24 | $1.00 | — | ||
| Q2 24 | $1.08 | — | ||
| Q1 24 | $1.05 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.0B | $371.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $382.3M |
| Total Assets | $12.5B | $495.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | — | ||
| Q3 25 | $740.3M | $371.1M | ||
| Q2 25 | $851.8M | $371.1M | ||
| Q1 25 | $710.6M | $371.1M | ||
| Q4 24 | $591.1M | — | ||
| Q3 24 | $680.6M | $440.8M | ||
| Q2 24 | $740.4M | $440.8M | ||
| Q1 24 | $754.4M | $440.8M |
| Q4 25 | $1.4B | — | ||
| Q3 25 | $1.4B | $382.3M | ||
| Q2 25 | $1.3B | $382.3M | ||
| Q1 25 | $1.3B | $382.3M | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.3B | $491.7M | ||
| Q2 24 | $1.2B | $491.7M | ||
| Q1 24 | $1.2B | $491.7M |
| Q4 25 | $12.5B | — | ||
| Q3 25 | $12.2B | $495.9M | ||
| Q2 25 | $12.2B | $495.9M | ||
| Q1 25 | $11.7B | $495.9M | ||
| Q4 24 | $11.5B | — | ||
| Q3 24 | $11.5B | $601.9M | ||
| Q2 24 | $11.3B | $601.9M | ||
| Q1 24 | $11.2B | $601.9M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $217.7M | — |
| Free Cash FlowOCF − Capex | $199.3M | — |
| FCF MarginFCF / Revenue | 108.1% | — |
| Capex IntensityCapex / Revenue | 10.0% | — |
| Cash ConversionOCF / Net Profit | 3.90× | — |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | — | ||
| Q3 25 | $39.5M | — | ||
| Q2 25 | $35.9M | — | ||
| Q1 25 | $83.1M | — | ||
| Q4 24 | $252.5M | — | ||
| Q3 24 | $58.1M | — | ||
| Q2 24 | $95.1M | — | ||
| Q1 24 | $61.0M | — |
| Q4 25 | $199.3M | — | ||
| Q3 25 | $35.5M | — | ||
| Q2 25 | $31.8M | — | ||
| Q1 25 | $78.7M | — | ||
| Q4 24 | $231.2M | — | ||
| Q3 24 | $51.8M | — | ||
| Q2 24 | $90.4M | — | ||
| Q1 24 | $54.8M | — |
| Q4 25 | 108.1% | — | ||
| Q3 25 | 19.1% | — | ||
| Q2 25 | 17.4% | — | ||
| Q1 25 | 44.1% | — | ||
| Q4 24 | 126.5% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 50.3% | — | ||
| Q1 24 | 31.4% | — |
| Q4 25 | 10.0% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 2.3% | — | ||
| Q1 25 | 2.4% | — | ||
| Q4 24 | 11.7% | — | ||
| Q3 24 | 3.6% | — | ||
| Q2 24 | 2.6% | — | ||
| Q1 24 | 3.5% | — |
| Q4 25 | 3.90× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 1.82× | — | ||
| Q4 24 | 5.02× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.86× | — | ||
| Q1 24 | 1.23× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
